1. Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Gwinnett County Open Enrollment Benefits Review Pre-65 Retirees Effective January 1 st, 2015 90.25.904.1 B (7/14)

2. Aetna Inc. 2 Aetna: Who We Are Quality health plans & benefits. Healthier living. Financial well-being. Intelligent solutions. Membership facts: We serve 23.1 million medical members We serve 15.3 million pharmacy members Healthcare network facts: More than 1.1 million health care professionals More than 655,000 primary care doctors and specialists More than 5,400 hospitals Products and programs facts: Wide range of insurance and employee benefits products Programs and services to help control rising costs while improving the quality of health care Tools and information to help people make better-informed decisions about their health care and financial well-being

3. Aetna Inc. 3 Benefit Plans Review

4. Aetna Inc. 4 Benefits Highlights High-level overview of your plan designs, effective January 1 st, 2015: BenefitSilver PlanGold Plan In-NetworkOut-of-NetworkIn-NetworkOut-of-Network Deductible (calendar year)$1,800 Single $3,600 Family $3,600 Single $7,200 Family $1,300 Single $2,600 Family $2,600 Single $5,400 Family Coinsurance30%; after deductible50%; after deductible15%; after deductible50%; after deductible Out-of-Pocket Limit (includes the deductible) $3,750 Single $7,500 Family $7,500 Single $15,000 Family $2,000 Single $4,000 Family $4,000 Single $8,000 Family Preventive CareCovered at 100%50%; after deductibleCovered at 100%50%; after deductible PCP / Specialist Office Visit30%; after deductible50%; after deductible15%; after deductible50%; after deductible Emergency Room Urgent Care Ambulance 30%; after deductible (waived if admitted)15%; after deductible (waived if admitted) Inpatient / Outpatient Hospital30%; after deductible50%; after deductible15%; after deductible50%; after deductible Diagnostic Lab & X-Ray30%; after deductible50%; after deductible15%; after deductible50%; after deductible Pharmacy – Retail - Tier 1 Generic - Tier 2 Brand Formulary - Tier 3 Brand Non-Formulary 30%; after deductible 15%; after deductible Pharmacy – Mail Order30%; after deductible15%; after deductible

5. Aetna Inc. 5 Benefits Highlights High-level overview of your plan designs, effective January 1 st, 2015: BenefitTraditional Plan In-NetworkOut-of-Network Deductible (calendar year)$1,300 Single $2,600 Family $2,600 Single $5,200 Family Coinsurance30%; after deductible50%; after deductible Out-of-Pocket Limit (includes the deductible) $3,500 Single $7,000 Family $7,000 Single $14,000 Family Preventive CareCovered at 100%50%; after deductible PCP / Specialist Office Visit$40 / $60 copay50%; after deductible Emergency Room30%; after deductible (waived if admitted) Inpatient / Outpatient Hospital30%; after deductible50%; after deductible Pharmacy – Retail - Tier 1 Generic - Tier 2 Brand Formulary - Tier 3 Brand Non-Formulary $15 copay $45 copay $70 copay Pharmacy – Mail Order2x Retail copay

6. Aetna Inc. 6 Transition of Care Benefit provisions to ease your transition to Aetna. Medical Transition of Care If you are currently undergoing treatment for a diagnosed condition and your doctor is not in the Aetna network, you can continue receiving treatment from the doctor at the in- network benefit level. This provision is available on a case-by-case basis and applies to active treatments such as – pregnancy, transplants, chemotherapy or radiation therapy, terminal illness, surgery, mental illness and substance abuse *Please let us know if you need a Medical Transition of Care form. Pharmacy Step Therapy – Transition of Care Requires that you try a therapeutically-equivalent, less expensive drug first, before certain more expensive drugs on our Step Therapy list will be covered If you are currently on a prescription for a drug that is on our Step Therapy list, we will automatically override Step Therapy, allowing you to fill your prescription without any review for the first 90 days

7. Aetna Inc. 7 Value-Added Benefits

8. Aetna Inc. 8 Enhanced Disease Management Virtual Support Get self-paced guidance from online wellness and chronic condition management programs Receive timely alerts and reminders for nurse-assigned activities on the Personal Health Record One-on-one nurse support and integrated virtual care provides you with help in the way you want to receive it. Develop an individualized action plan to achieve meaningful health goals Learn tips to stay healthy and manage conditions 1:1 Nurse Support Get personalized support to help plan and coordinate care holistically Navigate the health care system and find the right resources

9. Aetna Inc. 9 Online Disease Management Online disease management program Provides support for wellness and managing several chronic conditions including: - Be Tobacco Free - Blood Pressure in Check - Heart Healthy Cholesterol - Living Well with Asthma - Health in a Hurry - Diabetes Life Complements work with a health coach, or can stand alone Provides highly-personalized, self-paced online coaching sessions Tailored program plans specific to your unique needs including interactive tools and resources - Eat Healthier - Get Active - Healthy Back - Sleep Well - Stress Less - Weight Less

10. Aetna Inc. 24/7 toll-free access to registered nurses for health information: 1-800-556-1555 Access to online health information through award-winning Healthwise ® Care Management Solution Personal follow-up helps members better manage their health Informed Health Line – 24/7 Nurse Line

11. Aetna Inc. Top 5 Reasons Members Call Informed Health Line* 11 *Healthwise ® Care Management Solution, 2011 data Abdominal pain FeverBack problems and injuries Respiratory problems What kind of doctor should I see for… 12 3 45

12. Aetna Inc. 12 Aetna Pharmacy Advisor Multiple counseling methods to help improve health outcomes Pharmacy Advisor counseling Face-to-face and telephone counseling with registered pharmacists Provides information about medicines and how they work in your body Guidance to help you stay on track with your prescription medicine Member outreach via: o Educational brochures o Reminder letters Aetna Rx AutoFill Automatic order refills/renewals through Aetna Rx Home Delivery Enroll online through www.aetna.com, or by calling the customer service number on the back of your ID card

13. Aetna Inc. 13 Adherence to Drug Therapy Member Outreach Overview ~ 10 days after first fill Welcome letter educates you on medication, your condition and the importance of adherence ~ 14 days before refill is due Members using Aetna Rx Home Delivery® Refill reminder interactive voice response (IVR) phone call or Refill reminder letter reminds you that a refill is due ~ 10 days past refill date Member using Aetna Rx Home Delivery Off-therapy IVR phone call or letter Members using retail pharmacies Off-therapy IVR call Prescriber Off-therapy Fax Member experience may vary from home delivery to retail. refill First fill

14. Aetna Inc. Adherence to drug therapy addresses conditions like: 14 Behavioral Health Enlarged prostate Diabetes Heart Failure High Cholesterol High Blood Pressure Osteoporosis Parkinson's Asthma and more than 30 different drug classes

15. Aetna Inc. 15 Savings for Your Health and Wellness Through the Aetna Discount Program, Aetna members get discounts on millions of products and services in the following categories: At home products (blood pressure monitors, clothing, toys) Books (books, DVDs, CDs, online videos, magazine subscriptions) Fitness (gym memberships, home fitness and nutrition products, fitness plans) Hearing (hearing exams, hearing aids, batteries) LifeMart® shopping website (travel, electronics, family care, home, auto, wellness) Natural products and services (acupuncture, chiropractic, online medical consultations, health & wellness products) Oral health care (water flossers, cavity-fighting and other oral health care products) Vision (eye exams, eye glasses, frames, contact lenses, LASIK surgery) Weight management (weight-loss programs and products, diet and meal plans – Jenny Craig®, Nutrisystem® and CalorieKing®

16. Aetna Inc. ExtraCare Health Card Save 20% on thousands of over-the-counter items An easy way to save Welcome letter and two portable ExtraCare Health Card key tags mail within two to three weeks of January 1 st, 2015 Visit a CVS/pharmacy any time to activate your discount, then save when you shop at CVS/pharmacy retail stores or online at www.cvs.com Items eligible for the discount include, but are not limited to: Vitamins First-Aid supplies Baby care Remedies for allergies, cough and cold, or heartburn and stomachache 16

17. Aetna Inc. 17 Online Tools & Resources

18. Aetna Inc. Aetna Navigator – Your Secure Online Portal http://www.aetna.com http://www.aetna.com 18 Click to log in

19. Aetna Inc. It’s Easy to Get Started 19 Once your health plan is active, all you need to do is sign up for Aetna Navigator: Step 1 Fill in your basic information Step 2 Create a user name and password Step 3 Set your preferences

20. Aetna Inc. Get the Care That’s Right for You 20 Use DocFind®, our provider directory, to find a doctor, hospital or other facility in the Aetna network.

21. Aetna Inc. DocFind Search for your doctor online 21 Please select the following network: Aetna Choice® POS II (Open Access)

22. Aetna Inc. Explanation of Benefits (EOB) 22 You can view your EOB for each claim to see: How much your health plan paid How much you are expected to pay How much has already been paid How much you saved by staying in network

23. Aetna Inc. We Help You Take Care of You 23 Online Health Assessment Personalized summary of your health status Work with a personal wellness coach Online Health Assessment Personalized summary of your health status Work with a personal wellness coach Online wellness programs ‣ Create a personal wellness plan ‣ Lose weight, get in shape, eat better, etc. — at your own pace Online wellness programs ‣ Create a personal wellness plan ‣ Lose weight, get in shape, eat better, etc. — at your own pace

24. Aetna Inc. Personal Health Record* helps you: View claims data Track health stats Get health alerts Manage family’s health info** Share info with your doctor Personal Health Record* helps you: View claims data Track health stats Get health alerts Manage family’s health info** Share info with your doctor Tools to Track Your Health 24 Your personalized Health History Record is always available so you can: Review your recent care Track important health stats Share info with your doctor Your personalized Health History Record is always available so you can: Review your recent care Track important health stats Share info with your doctor *If available as part of your health plan **If family member is under 18 years of age or gives access to view their information

25. Aetna Inc. Access Discount Programs 25 Save on products and services that can help improve your health and well-being

26. Aetna Inc. Access Discount Programs 26

27. Aetna Inc. 27 Aetna Mobile App Search for a doctor, dentist, hospital or pharmacy Use the Urgent Care Finder to quickly find urgent care centers and walk-in clinics Secure member site: View your claims View your coverage and benefits View your Personal Health Record View your ID card information Contact us by phone or email Also available on mobile web by typing "Aetna.com" into the mobile web browser.

28. Aetna Inc. iTriage® App Search symptoms and find care Founded by 2 Emergency Room Physicians in 2008; Acquired by Aetna in 2011 Comprehensive healthcare information in one app Helps answers common consumer questions: “What could be wrong?” “Where should I go for treatment?” Symptom-to-Provider™ Pathway Search symptoms Find possible causes Research diseases, procedures, tests, medications Decision support to find the closest and most appropriate medical provider Connectivity leads to action 28

29. Aetna Inc. 29 Cost Information Tools

30. Aetna Inc. Member Payment Estimator in- and out-of-network cost estimates Real-time out-of-pocket estimates* for the most common medical, non-emergency health care services, including those that may offer the biggest opportunity to save on health care expenses and allow comparison shopping Lets you compare costs for physician office visits, surgical procedures, and diagnostic tests and procedures at different doctors or facilities before you receive care Allows you to compare up to ten in-network providers or facilities at one time Estimates based on your actual benefits plan (including deductible, coinsurance, copays and plan limits) Helps you understand the money they can save without compromising their quality of care 30 *Estimated costs not available in all markets. The tool provides an estimate of what would be owed for a particular service based on the plan at that very point in time. Actual costs may differ from an estimate if, for example, claims for other services are processed after the estimate is provided but before the claim for this service is submitted. Or, if the doctor or facility performs a different service at the time of the visit. HMO members can only look up estimated costs for doctor and outpatient facility services.

31. Aetna Inc. Member Payment Estimator 31

32. Aetna Inc. Member Payment Estimator - Landing Page Provider or medical service is selected via the drop-down menu 32

33. Aetna Inc. Member Payment Estimator - Cost Estimate – illustrative purposes only Compare providers in-network, up to ten at a time plus view how estimates can vary 33

34. Aetna Inc. Price-A-Drug Cost and decision support information for prescription drugs 34 Click here, after you register and log in with your username and password www.aetna.com

35. Aetna Inc. Price-A-Drug Cost and decision support information for prescription drugs 35 Members can enter the drug name to get an estimate

36. Aetna Inc. Price-A-Drug Cost and decision-support information for prescription drugs 36 Select the correct Medication and also view generic alternative

37. Aetna Inc. Price-A-Drug Cost and decision-support information for prescription drugs 37 Enter the number of times the medication is required

38. Aetna Inc. Price-A-Drug Cost and decision-support information for prescription drugs 38 Estimated member out-of-pocket costs Mail-order savings Drug information links Generic alternatives

39. Aetna Inc. Thank you Any questions??